................... Insurance Policyholders And Claimants: Are You Having
Problems Getting Paid On An Insurance Claim? Or, Are You Buying Or Renewing Your Insurance And Finding That
You Are Concerned And Asking Yourself Whether Your Insurance Company Will Cover You In The Event Of A Claim?
.... If So, FBIC Is Here To Help And To Let You Know That You Should Be Concerned And You Are Not Alone ... In Fact
There Are Upwards Of Hundreds Of Thousands Claimants Across The U.S. Having To Hire A Lawyer In Order To Get Paid On A
Claim. FBIC's Exclusive U.S. Plaintiff Insurance "FIND-A-LAWYER" Directory Is The Only Lawyer Locator Of It's Kind Where
Claimants Can Find A Plaintiff Insurance Attorney In Their Local Area To Help, Advise And Represent Them In Collecting On Their Claim.
Thousands Of Policyholders And Claimants Visit This FBIC Insurance Resource Center Everyday.
FBIC (www.badfaithinsurance.org) Is The #1 Consumer Insurance And Claims Related
Source In The U.S. Policyholders Are Able To Resource FBIC's Exclusive And Invaluable Ranking Information On
Insurers Good Faith And Bad Faith Payment Of Claims Records And Related Information When Purchasing Or Renewing Their
Insurance. Policyholders And Claimants Are Able To Use FBIC's Exclusive Plaintiff
Insurance "FIND-A-LAWYER" Directory To Represent Them, And Also Able To Resource, Get Help And Assistance.
Insurance Claimants And Complainants Are Requested To Submit An Online Insurance Complaint To FBIC Using The
"Insurance Complaint Bad Faith Survey",
The One Place Where Consumer And Business Insurance Claim Related Complaints Count ... And Much More!

"Bad faith" insurance companies denial of unpaid claims are widespread, pervasive if not the norm, responsible for the
greatest destruction and loss of U.S. and Americans wealth, assets, businesses, jobs
and poverty, and ultimate maximum loss of human life.
A 'legal' term, Bad Faith statutes and laws in each state are
intentionally blindly overlooked and unenforced by states
insurance regulatory agencies.

IT'S THE LAW: Insurance companies are required to 'willingly' pay claims
properly and promptly in "Good Faith". It is illegal to 'willingly'
not pay, discount-lowball, delay, deny payment of legitimate claims
in "Bad Faith". When claims go unpaid in bad faith, the associated
wealth-assets-loss of jobs-businesses are lost forever

Bad Faith insurance companies have had decades to rig the American and
in some cases
worldwide systems in their favor.
Bad faith (BF) insurers non-payment of CLAIMS practices
are proven pervasive and widespread.
Upwards of 85-95%+ are proven bad faith (BF) insurers that
repeatedly and
consistently break the law. There is a traditional quiet covert revolving door between the
insurance industry employees and state regulator employees which
contributes to the status quo of claims resolutions by state
regulators being 99.9%
anti-claimants and pro-insurers

FBIC struggles to identify the Good Faith (GF) insurance companies from
the small number remaining as the outrageous and
overwhelming number of Americans consumer complaints submitted to states
insurance regulators exceed an astounding one million plus
annually. Let there be no doubt that it is the insurance
industry with their unlimited legal, financial resources and power
that regulate the states insurance regulators-authorities and not
the other way around which is the correct and way its supposed to be. Besides the
states tiny insurance regulator agencies resources in comparison
that neither have 1% of the necessary resources nor
indicate or show any interest in doing anything about
the "degree" of breach of contracts and/or the bad faith insurance payment claims status quo that is
perpetrated and exists
amongst 92.7% of ALL insurers, and which relativity FBIC uses in its ranking
determinations. This is why it is essential that the U.S. Government
have
oversight control over state insurance regulators regarding
interstate common ownership of the same bad faith insurance
companies' non-payments and improper claims payments
practices which commonly exist on a pervasive widespread basis

Americans Call For A BOYCOTT
Against Bad Faith Insurers!
(State governments regulate insurance companies that
operate in their state. For decades the State
Departments of Insurance have covertly
basically done nothing or when exposed the minimum to protect policyholders and claimants
from 'bad faith' insurance companies, which comprise the
overwhelming majority of today's insurers, which do not pay
their claims in "good faith' as required by law. The insurance industry is among the top 3industries out of the 50 largest
industries to contribute the most $
amounts to political candidates campaigns.)

Why Boycott? The
only action that will effectuate bad faith insurers to
comply with the law and pay claims in good faith is to
impact them in their wallets with an All-American
boycott and for Americans to buy insurance from good
faith insurers. Because bad faith insurers are
widespread and pervasive, and good faith insurers so
limited, we realize this may be difficult for some,
which is why we ask for now that all Americans only
boycott the insurers listed above (in red).Once these 'worst' of the bad faith insurers
(in
red)commit to
change and monitoring their bad faith practices and
ways, we will then remove them from the bad side of the
list and add other bad faith insurers to the red list.
It's time for The American People to take back its
present corporate and Wall
Streetcontrolled state and federal
governments and our country. "If not for yourself, this Boycott
is what you can do for your country". We ask you to be responsiveand help
spread the word to Boycott.
You and all Americans are asked to help
spread the word and demand that bad faith insurers stop
preying on the American People imposing their widespread pervasive illegal bad faith
insurance claims criminal culture and impunity denials
poverty-driven practices on and against the American Public

* CLICK HEREto view the
'FBIC Ranking 100' (includes the 50 best-50 worst insurance company groups and
includes Health, Auto, Home,
P&C, Life,
Disability, LTC, Business, Annuity lines of insurance, along with
notes, research sources and methodology used in FBIC's ranking system.)
* Ranking at
July 2013. Note: No company is complaint-free. List is subject to change. * All Rights Reserved.
Read our Legal Disclaimer and Copyright

................... Insurance Policyholders: Buying Or Renewing Insurance?
FBIC Asks You To Buy Insurance From Good Faith Insurers And To Boycott And Not To Buy From Bad Faith Insurers!
................... Insurance Policyholders: FBIC Asks Each American To Buy Insurance From Good Faith Insurers And
To Boycott And Not Buy From Bad Faith Insurers! ................... Insurance Policyholders: FBIC Asks All
Americans To Buy Insurance From Good Faith Insurers And To Boycott And Not Buy From Bad Faith Insurers!
................... Insurance Policyholders: FBIC Asks You To Buy Insurance From Good Faith Insurers And To Boycott
And Not Buy From Bad Faith Insurers! ................... Insurance Policyholders: FBIC Asks Each American To
Buy Insurance From Good Faith Insurers And To Boycott Bad Faith Insurers!
................... Insurance Policyholders: FBIC Asks All Americans To Buy Insurance From Good Faith Insurers And
To Boycott And Not Buy From Bad Faith Insurers!

***************************************************

"FBIC Is Recognized For 15 Years Public Service
To Insurance Policyholders And
Claimants, Exposing The All-Powerful Insurers For Their Widespread Illegal Bad Faith
Insurance Practices And Pervasive Fraudulent Activities Across America"

********************************************************

FIGHT
BACK FOR AUTISM

Children Diagnosed As Having Autism Are Being Denied Services
By Insurance Companies All Across America, Even In States That Have
Passed Autism Legislation
.... (More
Fight Back For Autism)

*********************************************************

NAVIGATION LINKS: IMPORTANT, FYI! Please Review The
Navigation Links On The Left Side Of This Page 'BEFORE' Proceeding Further

Section 1 - Insurance Headlines
["Where The Record Is Set
And
Where The Headlines News Here
Today, Is Here Tomorrow And Is
Here
For Future Remembrance-Reference, And Doesn't Go Away Without 'Good' Reason"]
(Click on the ' HEADLINE # ' when in blue to go to the story)

HEADLINE #2:(Feb. 1, 2010 - Current). FBIC 5 Year Investigation (in cooperation with
an FBIC Whistleblower) Exposes And Confirms
That Berkshire Hathaway Insurance Companies Group(BHICG)
Of Extensive Illegal Widespread Fraud, Corruption And Bad Faith Insurance
Fraudulent Practices That Go All The Way To The Topmost Berkshire Executives.
The Supervision And/Or Overseeing Of The Illegal Fraudulent Practices Are Exec. Vice President
Ajit Jain, General Counsel & Berkshire
Corp. Secretary Forrest Krutter, andalleged to be in
conspiracy-have direct knowledge if not direct operational oversight is Chairman & CEO Warren Buffett.
Also included are other top level operational execs from BHICG and other
BHICG non-owned but controlled by BHICG conspiratorial companies working in
concert.
Click here for more and related bad faith fraudulent insurance
practices as alleged by the Whistleblower and confirmed as fact by FBIC's five year investigation,
including early and many ongoing published court cases, court documents
and court testimonies which the Whistleblower indicates the following such BHICG fraudulent activities and practices are "just the
very tip of the
iceberg".

*********************************************************

HEADLINE #3:(July 2008)(formerly the Association of Trial Lawyers of America
aka ATLA) Publishes "The Ten Worst Insurance Companies In America ... How They Raise Premiums, Deny Claims, and
Refuse Insurance To Those Who Need It Most". FBIC Congratulate The AAJ For This Lawyerly Work!

HEADLINE #4b:Insurance
Industry Related Judicial Corruption. Bad Faith Insurance Is Supported By America's Courts! Many Of Our States' High Courts Systems Judges And Justices Decisions Are Corrupt, Biased And Influenced By Bad Faith Insurers, Conflicted In This Modern Day Of "Follow The Money Ethics"! Corruption And The Absence Of Ethics And Injustice Is Shamefully Inherent In Our Judicial System In Many Of Our State's Supreme Courts And Highest States Courts. The Resulting Injustices Are More Common Than We Would Like To Believe Or Admit That It Is ... It's Outrageous And It's Got To Stop. Read "Justice For Sale"(March 22, 2008) . Although we would like to think that our state and federal courts judges are honest and beyond reproach, in many cases nothing could be farther from the truth. Many of the freedoms and the constitutional rights of all Americans continues to be eroded by such actions and the veracity of our whole court system, esp. in our states highest courts, is in jeopardy! Read about some of the behind the scenes examples of how insurer bad faith insurance practices are sustained, upheld in law, influenced and supported by corruption and conflicted special interests (which includes insurers as you will read) and dishonest biased court judges
in your state.

HEADLINE #4e:Insurance
Industry Related Judicial Corruption. More, Bad Faith Insurance Is Supported By Corrupt, Biased, And Dishonest Judges In Our States' Highest Courts. (February
3, 2010) Read Another Article entitled
"Judge Price delivers State of the Judiciary address" ... Does Money Rule State Supreme Courts. (February 3, 2010) ... And Yes, money rules many of our state courts which includes insurance industry money, our country's bad faith
insurers and their law firms. (FBIC Note: "Remember the Avery v. State Farm case from Illinois in which an Illinois Supreme Court justice cast the deciding vote in a $450 million case in favor of an insurance company . after receiving more than $1 million in campaign contributions from those connected to the company. Remember the Caperton v. Massey case from West Virginia in which a new West Virginia Supreme Court justice cast the deciding vote in a $50 million case after the CEO of that company spent approximately $3 million to defeat the new judge's opponent. Justice is a sacred but fragile concept. It depends upon the eye of the beholder, the trust and confidence of our people. It cannot be for sale to the richest bidder, the most powerful special interest group, or to the cleverest consultant."

HEADLINE #4g:Insurance
Industry Related Judicial Corruption. (Current - Last Updated August 18, 2008, An FBIC Exclusive) Does Corruption Exist Between Our States' Highest Courts
Justices And Judges, Bad Faith Insurance Companies And Their Law Firms? The Answer Is A Resounding, YES! The Fact Of The Matter Is That Bias And Corruption Within Our States High Courts
Judicial Systems By Justices And Judges Has Been Going On Quietly Behind The Scenes Away From Public View And Having A Cumulative Devastating Effect On The Increasing Injustices Against American Citizens, Businesses And Plaintiff Trial
Lawyers, And Significantly Eroding Americans Freedoms And Constitutional Rights For The Past Two Decades. Note That Bad Faith Insurers By Such Corrupt Activities, Their Widespread Fraudulent Actions
And Criminal Activities, Being That They Operate And Influence All Segments Of U.S. Consumer And Business Services, Adversely Effects And Negatively Impacts The Lives Of All Americans Every Day ... And Then To Have
Their Fraudulent And Corrupt Activities Supported And Sanctioned By Biased State High Court Justices Is Simply Outrageous And Unacceptable.

**********************************************************

HEADLINE #5:Free Professionally Produced Investigative Network Television Videos For Your Viewing For The
Summer Season(Only On This FBIC Website) Staying at home for much of
this summer saving money on the high price of gasoline and travel? FBIC offers you FREE at-home viewing of the videos of your choice from it's exclusive collection of major television networks investigative
covert expos?s and reports (many of which FBIC collaborated). View many of our country's well known major national insurance companies caught in the act with their pants down
(that's figuratively speaking)
committing illegal bad faith insurance practices. See with your own eyes some of the common illicit schemes, widespread fraudulent rip-offs and the extent to which many
(and we do mean many) major national
insurers are involved in widespread corruption and pervasive illegal acts to "willingly deny and not pay claims". Caught in the act of committing illegal and deceptive acts, view many phony schemes set up and
repeatedly utilized as business usual by these bad faith major insurers to deny coverage and not pay legitimate claims in order to increase their corporate profits. Watch Them And You Be The Judge ....

*********************************************************

Protect yourself ... FBIC asks all Americans not to buy insurance from bad faith insurers and only buy from good faith insurers. You can make a difference.*********************************************************

HEADLINE #6:Taking Heat In The Media: Bad Faith
Insurance Continues As Business Usual ... "Home Insurance 9-1-1".
View an investigative video exposé revealing some of the behind the scenes examples
of controversial insurer bad faith home insurance practices. "In the fall of 2003, one of the largest recorded wildfires in California's history destroyed over 2,200 houses and killed fifteen people. Soon after,
many who'd lost their homes had a rude awakening: their insurance did not nearly cover their losses as expected." PBS' NOW in collaboration with Bloomberg Markets Magazine investigate tactics some insurance
companies may be using to reduce, avoid, or stall homeowners' claims in an effort to boost their own earnings. Two major insurers are referenced: State Farm and Allstate. To this day because of these dealings,
many claimants have yet to be properly compensated.

HEADLINE #6a:More Taking Heat In The Media: Bad Faith Insurance Continues To Be Widespread, As Business Usual ... "The Insurance Hoax". Read An investigative report illustrating some of the many ways "property insurers use secret tactics to cheat customers out of payments". "Property insurers systematically deny and reduce their policyholders claims, according to court records. The insurance companies routinely refuse to pay market prices for homes and replacement contents, they use computer programs to cut payouts, they change policy coverage with no clear explanation, they ignore or alter engineering reports, and they sometimes ask their adjusters to lie to customers". "Insurers make low offers--or refuse to pay at all--and then dare people to fight back." Referenced insurers include Hartford, State Farm, Allstate Corp., Farmers Group Inc., Illinois Farmers owned by Farmers Group, Liberty Mutual, Meritplan Insurance part of Countrywide Financial Corp., Pacific Specialty Insurance, Allied Property & Casualty, AMCO Insurance ....

HEADLINE #6b:More Taking Heat In The Media: Bad Faith Insurance Is A Conflicted And Common Practice Quietly Supported By State Regulators And Commissioners ... "Bribed Regulators Deceiving FBI Roil U.S. Insurance Customers". Read An investigative report on the existence and some of the ways insurers bribes and inherent conflicts of interest within the system which make up the very foundation of the fragmented state insurance regulatory system. State government's regulatory agencies (Departments of Insurance) most often are found to be biased and extremely "favorable to insurance companies" and unjustly leave policyholders out in the cold. In addition, "regulators routinely come from industry jobs or go to them when they leave office" aka "the revolving door". The article references Departments of Insurance and identifies many such states insurance regulators/ commissioners. Regarding "Bias Against Policyholders", "the conflicts that hinder state insurance oversight are also apparent at the National Association of Insurance Commissioners (NAIC). With the association and biased states insurance commissioners that make up the association, it's hard to expect consumers and policyholders can get an unbiased and fair shake. Referenced insurers include Lovelace Sandia Health System Inc., State Farm, Safeway Insurance Co., Assurant Inc. ...

*********************************************************

FBIC is Supported and Funded by Contributions from the PublicPlease Click Here And Make A Tax-Deductible Donation Today

*********************************************************

HEADLINE #7:(FBIC Reports)2008 Insurers Claims Denials and Claimant Settlement Related Complaints for all lines of insurance continued to rise even more
significantly than in the past 2 years, an average increase of 10.3% (up from a 2006 escalated rate of 6.0% and increased 7.9% rate for 2007). With insurers claims denials and claimant settlement
related complaints continuing to escalate and reveal a growing trend upwards from most recent prior years and with insurers dealing with a severe business climate and economic recession expected, FBIC
forecasts insurers claims denials and related complaints for 2009 to maintain it's current heightened increased rate.

HEADLINE #7a:(FBIC Reports)2007 Insurer Claims Denials and Claimant Settlement Related Complaints for all lines of insurance rose an average 7.9% (up from a 2006 escalated rate of 6.0%) along with a corresponding increase in demand for plaintiff attorneys. The number of policyholder claims denials and related complaints increased in 2007 at escalated rates and up from 2006 for the following individual major lines of insurance and practice areas:

Homeowner Up 11.2 % (up from an escalated 2006 rate of 9.0 %)Automobile Up 8.1 % (up from an escalated 2006 rate of 6.5 %)Health Up 5.9 % (up from an escalated 2006 rate of 4.3 %)Accident and Personal Injury Up 5.7 % (up from a 2006 rate of 4.6 %)Disability Up 12.1 % (up from an escalated 2006 rate of 9.0 %)Life Up 5.1 % (up from a 2006 rate of 4.4 %)Wrongful Death Up 6.7 % (up from a 2006 rate of 5.6 %)Property & Casualty Up 7.7 % (up from an escalated 2006 rate of 6.2 %)Workers Comp Up 9.9 % (up from an escalated 2006 rate of 7.4 %)Business Up 5.7 % (same increase as the 2006 rate)

FBIC forecasts bad faith insurers claims denials and related complaints for 2008,
2009, 2010 and beyond to continue to escalate, rise and their defense thereof to
become more fierce in their fraudulent operations and ways until something is
done to stop them.
FBIC asks all Americans not to buy insurance from bad faith insurers and only buy
from good faith insurers. You can help protect yourself and at the same time make a difference.

*********************************************************

HEADLINE #8:(A First ... Coming Soon)The FBIC Good Faith And
Bad Faith Insurance Company Rankings For (A) Auto Insurers (B) Homeowner Insurers (C) Health, HMO and Disability Insurers. Although there are several companies that rate the financial strength of
insurance companies, FBIC is the only company to rank insurers on their payment/non-payment of claims records. The lists represent the first time ever that insurance companies will be ranked by their
willingness to pay claims (in good faith) or willingness to deny claims (in bad faith). ....

***********************************************************

Help protect yourself ... FBIC asks all Americans not to buy insurance from bad faith insurers and only buy from good faith insurers. You can make a difference.
***********************************************************

HEADLINE #10:FBIC Supports Washington State Insurance Fair Conduct Act Passed By The Legislature And Brought To The Public For
A Vote. The WA State legislature passed
(Senate: Yeas 31, Nays 18. / House: Yeas 59, Nays 38.) the "Engrossed Substitute Senate Bill 5726 (ESSB 5726) concerning the Insurance Fair Conduct of Claims for
coverage or benefits, and ordered it referred by Petition to the voters for a vote. The Bill makes it unlawful for insurers to unreasonably deny certain
coverage and claims, and allows for payment of treble damages and attorney fees for violations. Some health insurance carriers are excluded. Presently, there is no
penalty for delaying or denying policyholders valid claims. This Bill helps to make the insurance industry treat policyholders and consumers fairly and makes sure
claims are handled fairly. The Bill has bipartisan officials and consumer groups support and as expected is opposed by the insurance industry and bad faith
insurers. Washington is one of only 5 states with no penalty when the insurance industry intentionally denies a valid claim or when an insurer commits bad faith.
FBIC recommends to the voters of Washington state that they vote "Yes" on Referendum 67 to pass the bill.
Click here to view the official text of the bill. Tally of the results of Washington state voters on Referendum 67 on November 6, 2007: Congressional Bill ESSB 5726 was Passed into law by the voters. Thanks to support from FBIC's membership and website audience,
Washington State Trial Lawyers Association and other interested groups and citizens.

***********************************************************

HEADLINE #11: FBIC Spearheads Movement And Calls For The Resignation Of Connecticut State Insurance Commissioner
Susan Cogswell.(FBIC Reports That The CT State Insurance Commissioner
Susan Cogswell Has Resigned This Day, Dec. 12, 2006)....

***********************************************************

FBIC is Supported and Funded by Contributions from the PublicPlease Click Here And Make A Tax-Deductible Donation Today

***********************************************************

HEADLINE #12:Current Insurance Industry Events Includes Complete Coverage Of NY State Attorney General (AG)
Eliot Spitzer's Office Investigation And Charges Of "Widespread Insurer Fraud And Corruption", Illegal
Practices And Criminal Activities Amongst The Country's Largest Insurance Companies (Incl. Hartford, AIG, Etc.). The Investigation Focuses On Independent Insurance Agencies And Agents And Their Under The Table Behind The Scenes Kickbacks And Commissions Received From Insurers To Swing Sales Their Way. (State Farm And Allstate Use Their Own Agencies And Agents). Investigations Also Include: (a) Other States' Attorneys General (AG's) Although On A Much Lesser Basis; (b) Almost Non-existent Efforts By The States Departments Of Insurance (DOI's) And The National Association Of Insurance Commissioners (NAIC); (c) Also, Almost Non-Existent Investigations By
Various Federal Government Agencies To Include Less Than A Half-hearted Effort By The Securities And Exchange Commissions (SEC) And The U.S. Department Of Justice (DOJ).

How Well Or How Poorly Will This Scrutiny Of Our Country's Largest And More Well Known Insurers (i.e. Hartford, AIG, Etc.) Stand Up To Probes That At Best Just Scratch The Illegal Activities Surface Of These Insurers? The Answer: "Shamefully Poor, Reflecting An Industry Pervasive With Widespread Fraud And Criminal Activities" That Harbors Much More Criminal Activities, Fraud And Corruption Yet To Be Exposed. FBIC Reports On Current Events Of These Select Investigations Of The Insurance Industry's Darker Sides And More, Exposing The Illegal Practices, Civil And Criminal
Charges Brought (Or Lack Thereof) Against Hartford, AIG, Marsh & McLennan, And More Insurance Companies By:

States AG's

The SEC And DOJ Federal Agencies

States DOI's And The NAIC

Other Related Investigations And Lawsuits Against Insurers

Current Events And Goings-On In The Insurance Industry

This
FBIC Report Chronicles The Comprehensive And The Whole Story Covering Updates And News Breaks As AG Spitzer's Office And Other State AG's Investigations Only Look Into Fraudulent Activities In The 'Sales' End Of Companies Such As Hartford, AIG, Marsh & McLennan And Many More Insurers But Avoid The Criminally Intensive 'Claims' Area Where It Is Very Well Known And No Secret That
Bad Faith Insurance Practices And Widespread Fraud And Corruption By Companies Such As State Farm, Allstate, Hartford And Many More Major Insurers As Reported To FBIC Are Far More Rampant And Pervasive And Subsequently Knows No Illegal Bounds.

The Investigations As They Play Out Indicate That The SEC (And DOJ) Primarily Limits Their Investigations Into Deceptive Finite Reinsurance Practices And Fraudulent Accounting Practices ... And Even Where There Is Evidence Of Criminality, The SEC Stays Clear Of Such Other Areas Where Insurance Companies Criminality Is Strongly Alleged To Exist. Furthermore At Best, The States' Insurance Regulatory DOI's Agencies' And Insurance Commissioners Say One Thing But Do Just The Opposite And Intentionally Look The Other Way Shirking Their Responsibilities To Investigate On Behalf Of The American People And State Citizens.

Of Note, This FBIC Report And Chronicle Reflects And Ultimately Indicates As You Can See By:

(1) FBIC's "Introduction Sections" In Part Says It Like It Is As To Whether These Agencies' Investigations Are For Real Or Disingenuous And Just An Illusion To Deceive The American Public. (2) FBIC's "Headlines Sections" Are A Must-Read Brief Comprehensive Overview Which Tell The Real Stories As To Whether Each Of The Agencies Investigations And Lawsuits Are For Real Or Not (Where They Announce Intentions To Investigate And/Or Bring A Lawsuit/Lawsuits But Then Do Nothing Or Completely Drop The Investigations And Lawsuits Later When No One Is Looking In Complete Disregard Of The Public Interest. Reading Just The Headlines Is A Brief Must-Read Which In Many Cases Tells You The Whole Story As To Whether There Is Follow Through Or Lack Thereof By The Agencies. Where The Agencies Dropped The Ball Completely On A Specific Investigation (Or Dropped It With Just A Slap On The Hands Without Reporting It) FBIC Contacted The Agencies For Comment As To The Final Result Of Investigation Or Lawsuits But Received No Reply Or Comment. (3) FBIC's "Library Articles Section" Provides And Reports The Complete Text Of Each Of The Articles Headlines By The Major Media Companies. (4) In Sum, With So Much Fraud Exposed In One Industry, Now What? Will There Be Any Change? Will The
States Insurance Regulatory Authorities Continue To Have Exclusive Regulatory Authority Over The Insurance Industry Or Will
The Federal Government Step In To Share Their Much Needed Oversight Over Our Country's Out Of Control Insurance
Industry? Will The U.S. Government Will At Least Rescind The Archaic And Completely Unnecessary McCarron-Ferguson Act Of 1945 To Help Level The Playing Field Between The Powerful Insurance Industry Insurers Vs. The Public And Consumers?

***********************************************************Help protect yourself ... FBIC asks all Americans not to buy insurance from bad faith insurers and only buy from good faith insurers. You can make a difference.
***********************************************************

HEADLINE #13:WHO IS REALLY RESPONSIBLE FOR DENIED CLAIMS OR PAYING CLAIMS? This was the subject of a recent trial in Ohio whereby a jury found Centre Life Insurance and Disability Management Services, the defendants, guilty of breach of insurance contract awarding $429,400 in compensatory damages, guilty of bad faith insurance practices with an award of $1,130,000 and a punitive damages award of $3 million.

FBIC researchers found three
explosive 'legal' court documents from Stark County Ohio. The first document is brief and best
describes one of the ways that an insurer Centre Life f/k/a Massachusetts Casualty, a third party
claims management administrator Disability Management Services a/k/a DMS, and an affiliate reinsurer-Centre Reinsurance, which owns 40% of DMS,
work in combination to intentionally evade payment of legitimate claims ... even going as far as falsifying information to
an insurance commission. The second document is a more lengthy deposition, that of the President of Centre Life
Insurance Company. The third document is the bad faith and punitive damages jury award. A copy of these three must read eyebrow-raising court documents are contained herein.

***********************************************************

HEADLINE #14:Attention All America's Workers: Now, Upon Settlement Of Workers
Compensation (WC) Claims, Insurers Want You To Pay Them Back For All $$$ Amounts, Medical Bills And
Healthcare Costs They Pay Out On Your WC Insurance Benefits Coverage, Leaving You With $ Zero Or Worse Yet $ Owing ...
Outrageous! In Congress H.R. 2830, Sect. 307 and a similar bill in the Senate does just that. As part of the Pension
Reform Bill, insurers have succeeded in having a provision quietly added to the House version and passed which ensures in
all cases that the insurance company providing healthcare services will be paid back first in the event of a settlement. An
attempt by insurers to add this same provision to the Senate version must be STOPPED NOW or The American Public Will Lose. Thanks to: American Association for Justice(fmrly ATLA), FBIC, FBIC's members and website audience, Congressional Bill H.R. 2830, SECT. 307 Was Defeated.

***********************************************************

HEADLINE #15:Authoritative Insurance Industry "White Paper" Provides Substantiated Documentation, Conclusive Evidence And Undeniable And Irrefutable Proof That Large Claims Are Willingly And Intentionally Being Denied And Not Paid. It Further Supports FBIC
Bad Faith Insurance Data That The Unlawful Non-Payment Of Legitimate Claims, Mass Denials Of Coverage, And The Widespread Use Of Related Breach of Contract and Bad Faith Insurance Claims Practices Is More The Norm
If Not Standard Operating Procedure By Many Of Our Country's Largest Insurers. The Authoritative "White Paper" Stands On Its Own As An Indictment To The Growth Of Unlawful Bad Faith Insurance Practices During
The Past 2-3 Decades Which Today Has Reached Epidemic Proportions. It Is Authored By A Former New York State Superintendent Of Insurance And Former President Of The NAIC (National Association Of Insurance Commissioners).
Read All (And We Do Mean All) About The Insurance Industry Behind Closed Doors That Americans Don't Know About And Is The Complete Opposite Of What They Want You To Believe ... Don't Miss This Comprehensive
Major FBIC Feature Story.

***********************************************************

FBIC is Supported and Funded by Contributions from the PublicPlease Click Here And Make A Tax-Deductible Donation Today

***********************************************************

HEADLINE #16: Another Former Insurance Commissioner, Insurance Industry Insider Speaks Out And Says It Like It Really Is Inside The
Insurance Business And Industry, As He Shares His First-hand Knowledge And Experience With Us. His Generous Documentation Confirms The Deceptive Sales Practices, Unlawful Mass Denied Claims And Widespread Denials Of Legitimate Claims Not Paid, The Pervasive Breach of Contract and Bad Faith Insurance Claims Practices Being Used By Many Of Our Country's Leading And Largest Insurers. In Support Of FBIC Bad Faith Insurance Claims Practices Facts,
Statistical Data And Allegations, This Former Pennsylvania State Insurance Commissioner, Insurance Industry Former Insider And Advocate Tells It All ... Don't Miss His Compendium Of Articles, Advice And Insight
Into The Insurance Industry And It's Practices. All American Consumers Should
Recognize And Thank This Insurance Industry Insider For Being Brave Enough To Come Forward And Tell Us All About The Way It Really Is Behind The Wall Of Silence Of The Insurance Industry.

***********************************************************

HEADLINE #17:View Professionally Produced Videos And Investigative Expos?s By The Major Television Networks (Free Of Charge
On This Website) And See With Your Own Eyes Some Of The Common Bad Faith Insurance Claims Practices And The Extent That Major Insurers Are Involved In Widespread Corruption And Illegal Activities Involving Claims That Are Willingly Denied And Not Paid. The Videos Reveal Well
Known Major Insurers Caught In The Act Of Committing Illegal And Deceptive Acts, And Phony Schemes Repeatedly Utilized By Numerous Bad Faith And Major Insurers To Deny Coverage
And Not Pay Legitimate Claims ... Watch Them And You Be The Judge ....

***********************************************************Help protect yourself ... FBIC asks all Americans not to buy insurance from bad faith insurers and only buy from good faith insurers. You can make a difference.
***********************************************************

HEADLINE #19:Medicare And The 2003 Prescription Drug Act Watch ... FBIC Reports On The Status Of Medicare And Frauds Committed Against Medicare. FBIC Further Reports On The
Medicare 2003 Prescription Drug Act As It Plays Out ... The Missed Steps Right From The Start Includes: (1) A Spendthrift Unnecessary $10B-$12B Financial Windfall Payment To Managed
Healthcare Insurers With No Prescription Drug 'Insurance' Plan Or 'Insurance' Coverage? (2) An Agreement Not To Negotiate Volume Discount Deals Or The Lowest Prices
With Drug Companies, And Its A Prescription Drug Discount Card? (3) With No Medicare Plan Insurance And Unable To Negotiate Volume Discounts From Manufacturers, What Kind Of A Medicare
Prescription Discount Drug Plan (Or Scam) Is This For America's Seniors? ....

View For Yourself Insurers Engaged In Incriminating Schemes, Deceptive Acts And Other Bad
Faith Insurance Practices ... And You Be The Judge!

The following investigative exposés and videos, produced and broadcasted by the network television and cable media,
uncover numerous examples of common and widespread bad faith insurers fraudulent actions and unlawful schemes to deny claims.
Representing just the tip of the iceberg, for years they have been suppressed and kept secret as much as possible to the point
that they have been little known by many and unaware by much of the Public, that is until now and in recent years as they have
become more pervasive. Today, breach of contract and bad faith insurance practices have become so common and widespread by so many of our country's
leading insurers, that they plague the industry and have become a serious industrywide problem. Bear in mind that the activities by the insurers exposed in the following videos herein are highly illegal but yet no congressional or enforcement authority have acted on them. This is why we ask consumers to buy insurance from Good-Faith insurers and not to buy from Bad-Faith insurers as this is the only way the American Public can take back it's power and stop insurers from victimizing all Americans, policyholders and claimants.

The following videos on this
website are free for the public to view. They are made available by FBIC for non-commercial educational purposes only ....
copying is strictly prohibited.

(1) "The Paper Chase" became one of the most honored broadcasts in journalism history, and it's for good reasons that only this website is believed to have the
original broadcast for your viewing. View this well known Award winning investigative exposé, which reveals an example of an illicit system designed to intentionally deny claims, in this case a myriad of
fraudulent IME bias and deceptive medical paper review schemes, and illegal bad faith insurance claim practices by insurer, State Farm.
This video is being used with permission as it was provided to FBIC courtesy
of NBC Dateline and we present it for educational purposes. FBIC is a 501(c)3
non-profit organization that works with the American Public in combination,
support and/or association with media producer(s) investigations. Note that bad
faith insurance can only be proven in a court of law ... you be the Judge! This
media is not to be used for commercial purposes without permission from the
Producer.
(NBC Dateline, June 2000)

(2) "Disabled Man Says The Hartford Stopped Disability Insurance Benefits Without Justification" ... The Hartford
Reinstated Disabled Man's Benefits After Being Contacted by 'Good Morning America' ... 15 Other Court Cases Exposed By Good Morning
America Also Found The Hartford, 'FBIC's #1 Worst Bad Faith Insurer', Guilty Of Same Frauds Claimant Practices, Stopping
Payments To Claimants Of Their Rightful Claim Benefits ... Hundreds If Not Thousands More Of The Hartford Cases Are Suspected.
This video is being used with permission as it was provided courtesy of ABC News Good Morning America and we present it for educational purposes. FBIC is a 501(c)3
non-profit organization that works with the American Public in combination, support and/or association with media producer(s) investigations. Note that bad faith insurance can only be proven in a court of law ...
you be the Judge! This media is not to be used for commercial purposes without permission from the Producer..
(ABC News Good Morning America, Nov. 2009)

(3) "Rigsby Sisters Adjusters Whistleblowers Say State Farm Cheated Hurricane Katrina Victims".
An exclusive investigative report reveals State Farm Insurance supervisors systematically demanded that Hurricane Katrina damage
reports be buried, replaced or changed so that the company would not have to pay policyholders' claims in Mississippi, say two State
Farm whistleblowers. The two insiders, Kerri and Cori Rigsby, independent adjusters who had worked for State Farm exclusively
for eight years, say they have turned over thousands of internal company documents and their own detailed statement to the FBI and
Mississippi state investigators. The Rigsby sisters say they saw "widespread" fraud at the State Farm offices in Biloxi and
Gulfport, Miss. The sisters say they saw State Farm supervisors go to great lengths to pressure outside engineers to
prepare reports concluding that damage was caused by water, not covered under State Farm policies, rather than by wind. They say
reports that concluded that damage was caused by wind, for which State Farm would have to pay, were hidden in a special file
and new reports were ordered "caused by water" so that State Farm would not have to pay. The allegations, if proven,
would support the suspicions of thousands of homeowners along the Mississippi Gulf Coast who have been unable to get paid or properly
collect on their insurance claims to rebuild their homes.
The video is being used with permission as it was provided courtesy of ABC
News 20/20 and we present it for educational purposes. FBIC is a 501(c)3
non-profit organization that works with the American Public in combination,
support and/or association with media producer(s) investigations. Note that bad
faith insurance can only be proven in a court of law ... you be the Judge! This
media is not to be used for commercial purposes without permission from the
Producer.
(ABC News 20/20,
Aug. 2006)

(4) An investigative exposé, "MIST" (for Minor Impact Soft Tissue Injury) reveals what
FBIC has been expounding since it's website debut in 1998, that major insurers' mass denials and not paying claims is widespread. This
investigative report, which includes secret documentation and proof uncovered by CNN, confirms that mass denials and widespread
non-payment of claims was/are conducted as business usual policy by State Farm and Allstate Insurance Companies ...
Farmers Insurance as well as "other insurers" are also implicated. These related bad faith insurance practices admittedly
have been going on by FBIC alleged bad faith companies such as Hartford and other insurers since earlier in the 1990s.
This video is being used with permission as it was provided courtesy of
CNN/Anderson Cooper 360 and we present it for educational purposes. FBIC is a
501(c)3 non-profit organization that works with the American Public in
combination, support and/or association with media producer(s) investigations.
Note that bad faith insurance can only be proven in a court of law ... you be
the Judge! This media is not to be used for commercial purposes without
permission from the Producer.
(CNN/Anderson Cooper 360, Feb. 2007 )

(5) View the investigative segment called "Did Insurer Cheat Disabled Clients" which reveals
and exposes examples of illegal practices and the fraudulent mass denial of claims actions against insured disability claimants by
UNUM (aka UnumProvident), the country's largest disability insurer. The exposé includes interviews and admissions attesting to
the alleged pattern of illegal actions taken by employees in response to pressure by the Insurance Company to deny claims as well
as testimony and further confirmation by the Insurer's former medical director as to the Company's repeated breach of contract and
bad faith insurance claim practices and mass denial of claims policy.
The video is being used with permission as it was provided courtesy of CBS 60
Minutes and we present it for educational purposes. FBIC is a 501(c)3 non-profit
organization that works with the American Public in combination, support and/or
association with media producer(s) investigations. Note that bad faith insurance
can only be proven in a court of law ... you be the Judge! This media is not to
be used for commercial purposes without permission from the Producer.
(CBS 60 Minutes,
Nov. 2002)

(6) View the investigative exposé called "Benefit Of The Doubt" which reveals and
exposes examples of the illegal mass denial of claims and fraudulent bad faith insurance claim practices by the country's largest
disability insurer, UNUM (fka UnumProvident).
The video is being used with permission as it was provided courtesy of NBC
Dateline and we present it for educational purposes. FBIC is a 501(c)3
non-profit organization that works with the American Public combination, support
and/or association with media producer(s) investigations. Note that bad faith
insurance can only be proven in a court of law ... you be the Judge! This media
is not to be used for commercial purposes without permission from the Producer.
(NBC Dateline, Oct. 2002)

(7) View an undercover investigative exposé called "Allstate" involving
Allstate Insurance Company which reveals another example of insurers committing illegal bad faith insurance practices advising
claimants not to hire an attorney.
The video is being used with permission as it was provided courtesy of ABC
News Primetime and we present it for educational purposes. FBIC is a 501(c)3
non-profit organization that works with the American Public in combination,
support and/or association with media producer(s) investigations. Note that bad
faith insurance can only be proven in a court of law ... you be the Judge! This
media is not to be used for commercial purposes without permission from the
Producer.
(ABC News Primetime, Oct. 2000)

(8) View an investigative exposé called "Breaking The Mold" regarding a homeowner
policyholder and toxic mold claimant revealing examples of the bad faith insurance claim practices by numerous bad faith insurers,
in this case Farmers Insurance, and the damaging effects on the family.
The video is being used with permission as it was provided courtesy of
CourtTV and we present it for educational purposes. FBIC is a 501(c)3 non-profit
organization that works with the American Public in combination, support and/or
association with the media producer(s) investigations. Note that bad faith
insurance can only be proven in a court of law ... you be the Judge! This media
is not to be used for commercial purposes without permission from the Producer.
(CourtTV, Jan.
2006)

(9) View "Dangerous Liaisons", an investigative video exposé revealing some of the
behind the scenes examples of blatant complicit, illicit and personal self-enrichment dealings by state DOI Commissioners, in this
case involving former California DOI Commissioner Chuck Quackenbush in reference to six major insurers (incl. 20th Century,
State Farm, Allstate, Farmers Insurance Group, Fireman's Fund, and Farmers Home Group) regarding California's 1994 Northridge
earthquake victims. To this day because of these dealings, many claimants were never and/or have yet to be properly compensated.
The video is being used with permission as it was provided courtesy of NBC
Dateline and we present it for educational purposes. FBIC is a 501(c)3
non-profit organization that works with the American Public in combination,
support and/or association with media producer(s) investigations. Note that bad
faith insurance can only be proven in a court of law ... you be the Judge! This
media is not to be used for commercial purposes without permission from the
Producer.
(NBC Dateline,
May 2007)

(10) View an "Eye On America Investigation" report regarding an example of an insured who made
a claim on his homeowners policy to his insurer, State Farm, and see the price that the policyholder paid as a result for
making a claim. The video also exposes the little known and secretive "big-brother-like" insurance industry database system C.L.U.E.
(Comprehensive Loss Underwriting Exchange). The system maintained by the industry is purported to contain "all" information
on policyholders, as well as each and everyone of us ... find out about it and view it here.
The video is being used with permission as it was provided courtesy of CBS
Evening News and we present it for educational purposes. FBIC is a 501(c)3
non-profit organization that works with the American Public in combination,
support and/or association with media producer(s) investigations. Note that bad
faith insurance can only be proven in a court of law ... you be the Judge! This
media is not to be used for commercial purposes without permission from the
Producer.
(CBS Evening News,
Aug. 2004 )

(11) View "Home Insurance 9-1-1", an investigative video exposé revealing some of
the behind the scenes examples of controversial insurer bad faith home insurance practices. "In the fall of 2003, one of the
largest recorded wildfires in California's history destroyed over 2,200 houses and killed fifteen people. Soon after, many who'd
lost their homes had a rude awakening: their insurance did not nearly cover their losses as expected." PBS' NOW in collaboration
with Bloomberg Markets Magazine investigate tactics some insurance companies may be using to reduce, avoid, or stall homeowners'
claims in an effort to boost their own earnings. Two major insurers are referenced: State Farm and Allstate. To this day
because of these such dealings, many claimants have yet to be properly compensated.
(PBS/Bloomberg, Aug. 2007)

(12) View "The Insurance Hoax", an investigative video exposé confirming and revealing more of
the behind the scenes examples of controversial insurers bad faith home insurance practices". Bloomberg Markets Magazine investigated tactics some insurance companies are using to lowball-reduce, delay, deny and not pay homeowners'
claims in an effort to boost their earnings. Property insurers use secret tactics to cheat customers out of payments as their profits break records.
Paying out less or not paying out claims at all (zero) to victims of catastrophes has helped produce record profits. In the past 12 years, insurance companies net income have soared, even in the wake of Hurricane Katrina, the worst natural disaster in U.S. history.
Property-casualty insurers, which cover damage to homes and cars, reported their highest-ever profit of $73 billion last year, up 49 percent from $49 billion in 2005.
Companies mentioned: State Farm (the largest home insurer in the U.S.), Allstate Corp.(2nd largest), Farmers Group, (3rd largest), McKinsey & Co. Consulting, More. To this day
because of these such dealings, many claimants have been wrongfully and illegally denied, not paid on their claim, are in litigation and/or yet to have been compensated.
The video is being used with permission and is provided
courtesy of Bloomberg Markets and we present it for educational purposes. FBIC
is a 501(c)3 non-profit organization that works with the American Public in
combination, support and/or association with media producer(s) investigations.
Note that bad faith insurance can only be proven in a court of law ... you be
the Judge! This media is not to be used for commercial purposes without
permission from the Producer.Transcript of "The Hoax" In Print
(PBS/Bloomberg Markets, September 2007)

(13) View "Allstate Insurance Claims Process", a superb animation video exposé done by a seasoned plaintiff insurance attorney Trey Mills of South Carolina confirming and
revealing alleged common bad faith insurance practices between a victim injured by an Allstate insured person at fault in a head on automobile collision involving substantial personal injury to the persons not at fault and not
insured by Allstate and how Allstate's claims processor responsible for paying out on the claim responds using alleged examples of controversial insurer bad faith home insurance practices.
used to lowball-reduce, delay, deny and not pay automobile accident and personal injury' claims in an effort to avoid properly paying the claim and boost their company's own earnings.
Companies mentioned: Allstate Corp.The video is being used with permission. This video was provided courtesy of the Producer Trey Mills and we present it for educational purposes. FBIC is a 501(c)3 non-profit organization
that works with the American Public in combination, support and/or association with network media producer(s) investigations. Note that bad faith insurance can only be proven in a court of law ... you be the Judge! This media is not to be
used for commercial purposes without permission from the Producer.
(Trey Mills, Esq. 2011)

**************************************************************

Help The Many Insured Americans, Individuals, Families
And Children Put In Desperate Need, Made Homeless Or Left Disabled As A Result Of A Denied Or Unpaid Covered Claim Due
To The Growing Pervasiveness Of Bad Faith Insurance Claim Practices And The Mass Denial Of Claims By Bad Faith Insurers!
It Could Very Easily Happen At Any Time To Anyone Including Yourself.Make A Difference Now And Help Stop Bad Faith
Insurance From Happening, Support The FBIC Movement,
'Click Here' And Make A Tax-Deductible Donation.

By
making a donation you automatically become a member of FBIC and your donation will immediately go to work in helping
FBIC help its many financially and physically challenged members and victims, many of which have lost everything,
become disabled and found themselves in dire straits with no help because of bad faith insurers ... donations also
make it possible for FBIC to continue to make the great strides that it has in the past years bringing attention and
heightening awareness in fighting back to stop the mass fraudulent practice of bad faith insurance. (FYI, donations
can also be made anonymously and without inclusion or membership as requested if that be the donor's preference).
Donations made to FBIC are tax deductible and play a critical role and important part in making it possible for FBIC
to carry out its mission, help aid victims of bad faith insurance and make those who are responsible at bad faith
insurer companies accountable for their illegal and fraudulent actions which effects all of America, all of its
citizens, businesses and our local, state and federal governments. You can show your support and help by making a
donation right now by clicking on Make A Donation Today ... we thank you for your help and support and for making this tax deductible donation today.

FBIC Thanks You In Advance For Your Help And Support As Its Only Through Our Hard Work Since Our Inception In 1996 And
Your Donation That We Have Been Able To Make The Great Initial Strides That We Have In Helping To Meet Our Most Difficult
Objectives And By Your Helping Us To Reach Our Goals ... Together We All Win!

FBIC Contact Information, Who We Are And What We Represent.
FBIC (Fight Bad-faith Insurance Companies) comprise a cross-section of successful business people,
professionals and other individuals networked throughout the United States and
developed international countries who have one thing in common ... they all have or
have had legitimate claims that were either denied by bad faith insurers,
experienced or were exposed to most of the U.S.' biggest insurers' widespread
bad faith insurance practices to include major insurers, such as Hartford, State Farm, Allstate and
most others, who started them on the most abusive, deceptive, ruthless and illegal
merry-go-round rides of their lives. Many such claims are in the courts for up
to and more than ten years, many collecting interest on bad faith cases that
were already decided by the trial courts years ago but the bad faith insurers just don't want to pay-up
... it's very profitable for bad faith insurers which comprise up to 93% of all
U.S. insurers and reinsurers to willingly not pay claims. So the insurers lawyers have
been given the task to intentionally delay and drag out the cases, putting off payment for as long as possible .

FBIC
wants to help Policyholders and Insureds in every way possible but unfortunately
the costs associated with telephone support and regular mail support are just too costly. The FBIC website has been developed
and is still very much an expanding work-in-progress many years after it's inception
in 1998. FBIC is prudent and cost conscious. By making online resources and email available helps to
keep our operation costs low and efficiency high, makes it so we can be more responsive, help and do our best to serve the
U.S. Bad Faith Insurance Community's needs.

For a number of our earlier years, there were those few that expressed concerns that this site might be something
other than what it appears, such as some sort of cover for an insurance company or the insurance industry.
Be assured that
there is no hidden agenda and that no individuals from FBIC are connected either with the insurance industry, an insurance
company, brokerage, agency or agent, a company that legally represents an insurance company or a business entity of the
insurance industry. FBIC does not sell insurance or certify, endorse or warrant insurance products, companies, brokers,
agents or vendors and is not a referral service.

FBIC'S MISSION: Is to educate the American
People and Others that to Insurance Companies, insurance is a business first.
That Insurance Companies are no longer fiduciaries which is the way they were
looked at many decades ago. That the overwhelming majority if not all insurers
are to some degree or another bad faith insurers. Whether it be one
claimant's claim willingly and intentionally illegally denied, many or most as a
percent of claims that are illegally denied or where claimants are forced to go
through other illegal bad faith insurance practices, is what separates insurers
from being ranked Good Faith or Bad Faith insurers. FBIC's mission is to educate
all of the Public as to Bad Faith Insurance Practices and in regards to their
perception of Insurers and the Insurance Industry. FBIC looks to take the
rose-colored glasses off of the People and help to make a very uneven playing
field between Insurers-Policyholders-Claimants less dishonest, more honest and
more level. FBIC recognizes that this will not be done or through legislation or
regulation who for 200+ years are solidly in the pockets of insurers and the
insurance industry.

FBIC members are mostly Americans with some international members anywhere
and everywhere where large U.S. and international insurers sell insurance. Our
members are a diverse group and among the
greatest people in the U.S. FBIC members are males and females, both young and senior, rich and poor, some with professional
and others non-professional backgrounds, white and blue collar, and of all
ethnic colors, races and creeds that want and believe in
working towards a "true" "honest" and corruption-free and bad faith-free insurance industry (not to exclude the same for a
democratic system of government, a justice system built on equality and accessibility for all, an honest, corruption-free
and prosperous system of business and capitalism, and a social system that is based upon "equality and fairness" for all
such as the founding forefathers of this great country would have wanted ... and hopefully one that would believe in "The Real
American Way" as a way of life at the very least had no children living in poverty and where all Americans knew both
self-respect and respect for others) and that this site is exactly what it honestly represents it is
... A Consumer Advocacy!
E-Mail comments to:

********************************************************** FBIC is Supported and Funded by Contributions from the PublicClick Here To Support FBIC And Make A Tax-Deductible Donation Today

**********************************************************

..... LEGAL DISCLAIMER ALWAYS AT FBIC .....

The following is not meant or offered as legal advice nor should be construed as such. FBIC is a consumer
medium and advocacy and is neither a court of law nor legal counsel. In order to establish whether an insurer is in violation of
"Bad Faith", "Unfair Insurance Claim Settlement Practices", "Deceptive Insurance Sales Practices" and/or other pertinent laws
or statutes, and/or is not acting in "Good Faith", must be decided and is determinable by a court of law. Alleged violation(s)
of these laws are subject to a court's interpretation of the specifics of your case and the laws as they may relate to
applicable state statutes, other relevant statutes and case laws which may vary in some states. When in doubt, consult
your state's Bad Faith Insurance Claim Practices Statutes and other pertinent applicable statutes that may apply, consult
and reference case laws and key court interpretations. Most importantly, if you feel your insurer may be guilty of Bad Faith,
Unfair Claims Settlement Practices and/or other pertinent illegal insurance practices and you feel you require legal advice,
you should seek legal counsel from a licensed attorney admitted in good standing in your state or jurisdiction who is
knowledgeable and familiar with the issues raised. Any reference on this website page and/or website to "Bad Faith" Insurance
Practices or alleging to violations of law, such violations of law can only be determined as such by a recognized and
authorized court of law. Such reference is provided herein for educational and public awareness purposes.